everyday guide to using your medical benefits

Everyday Guide to Using Your Medical Benefits

Standard Option with HRA

2013 Get Started

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2

2013 Standard Option with HRA

Make smart, informed decisions every dayYou take the time to learn the ins and outs when you buy a car, a house or something with a significant investment. You want to make sure you know how to use it right and get your money’s worth. The same is true when it comes to using your medical benefits.

The Standard Option with HRA:

■■ Is new for 2013

■■ Gives you good value for the dollars you spend on health care

■■ Comes with a Health Reimbursement Account (HRA)

It provides you with a choice about how you pay for care and helps you manage your health care costs. You have the power to take charge of your health and health care.

So, get smart about how you use your medical option. Understand that your choices matter. And know that American provides resources like this guide to help you make those choices. Review it today and come back to it throughout the year to make sure you get the right medical care, save money and make a healthy difference in your life every day.

You’ll find references to tools and resources from BlueCross BlueShield, UnitedHealthcare and Aetna throughout this guide. If you’re not sure which administrator you have, see your ID card.

About this guide

This guide is designed for online viewing, allowing you to click between sections and link to a variety of resources.

Want to read offline? You can do that, too. Simply print a single page or the whole guide.

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To Hospital/Physician: Please file all claims withyour local Blue Cross and Blue Shield plan.To the Member: If a provider does not submit aclaim on your behalf, please contact yourMember Service Unit for assistance.In California, if you choose to use a PPOnetwork provider, please access Blue Cross ofCalifornia.

Member ServiceHealthmatters*Preauth-MedicalPreauth-MH

1-877-235-92581-888-227-65981-800-441-91881-800-528-7264

www.jetnet.aa.com**Group contracts directlyBlueCross BlueShield of Texas, an independentlicensee of the BlueCross BlueShieldAssociation, provides claims processing onlyand assumes no financial risk for claims.

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http://americanairlines.welcometouhc.com/home

http://www.aetna.com/docfind/custom/americanairlines/

http://www.bcbstx.com/americanairlines/

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3

Know Before You Go

Your Online Resources

How You Pay for Care Living Well Learn More

Find the right doctor

Prepare for your doctor visit

Know what to ask your doctor

Know what to do after your visit

Be a smart health care shopper

Know where to get the right care

Make benefits changes

Understand key terms

Use helpful tools

Find out more

Meet your deductible

Know when your deductible applies

Pay for prescription drugs

Get 100%-paid preventive care

Use your HRA

Understand your out-of-pocket maximum

Sign up for Maternity Matters

Save money with StayWell Rx

Get help with a serious health condition

Earn $250 in Healthmatters Rewards

Get a health coach


Contents


Your Online Resources

4


Your Online ResourcesAmerican Airlines provides a one-stop shop for all you need to know about your benefits. You can access it from the Benefits page of Jetnet. Your family can also see this information by visiting My.AA.com. Visit often to keep up with the latest updates.

Under the Benefits tab, you’ll find information about:■■ Medical Options■■ Health Spending Accounts

■■ Flexible Spending Accounts

■■ Resources■■ My Benefits Cost Estimator

■■ Dental■■ Vision■■ Additional Benefits

The Healthmatters tab shows you how to live a healthier lifestyle — and earn rewards while doing it:■■ Programs■■ Activities■■ Quest Screenings■■ StayWell Rx

$uper $aver 401(k) will get you on track for retirement:■■ $uper $aver Features■■ Who’s Eligible■■ When Participation Begins

■■ How to Enroll■■ Contributions■■ Investments■■ Distributions■■ Withdrawals and Loans

http://my.aa.com

https://smlogin.aa.com/login/SMLogin.jsp?TYPE=33554433&REALMOID=06-3cb70422-de55-001c-0000-4b5700004b57&GUID=&SMAUTHREASON=0&METHOD=GET&SMAGENTNAME=$SM$NpBsRicQN9xCBnRZ5BlQMcipSzHGumlf24U3gA1Zcm%2bNvnk%2bMvcgrKX3KsCQ3enu&TARGET=$SM$https%3a%2f%2fwww%2ejetnet%2eaa%2ecom%2fjetnet%2f


5

Know Before You Go







This guide provides an overview of your benefit options. The complete provisions of the plans are set forth in the plan documents, available for review on eHR Center or HR Services. If the information in this guide is inconsistent with the plan documents, the plan documents will govern. This guide is not intended as a contract of employment or a guarantee of current or future employment. The plan sponsor(s) reserve the right to amend or terminate each plan at any time.


Find the right doctorThe best time to find a doctor is before you get sick. You have time to make an informed choice, get your paperwork in order and schedule a 100%-paid preventive exam. A primary care physician (PCP) is good for you and your family because you get:

■■ Efficient care because your doctor knows you, your family and your medical history

■■ Help navigating the health care system, including finding a specialist if you need one

■■ Good advice because you’ve built a relationship and feel comfortable speaking openly

To find a PCP, visit your administrator at:

■■ UnitedHealthcare■■ Aetna■■ BlueCross BlueShield

You and your family can also link to your administrator from the Resources page of My.AA.com.

Did you know …

People who have an ongoing relationship with a primary care physician (PCP) have better overall health, live longer and have lower health care costs.

(Source: Centers for Disease Control)


http://www.aetna.com/docfind/custom/americanairlines

http://www.bcbstx.com/americanairlines

http://my.aa.com/en/provider-resources

http://www.aacareers.com/ebg/


Know Before You Go(continued)

6








Prepare for your doctor visitGoing to the doctor for the first time when enrolled in a new medical option can be a little intimidating. What do you need to bring with you? What questions do you ask? Are you going to have to pay something up front? Take a little time to prepare for your visit by using these tips.

■■ Make a list of the things you want to discuss. Going to the doctor unprepared is like showing up for a test you haven’t studied for. With a list, you can be sure to cover everything you need to and you’ll be better able to answer your doctor’s questions. Here are some suggestions: – Any symptoms you are having – Smoking, eating, drinking and exercising habits – Your health history – Your heredity

■■ Confirm whether the doctor is in- or out-of-network. Whether you are in the market for a primary care physician (PCP) or have been going to the same doctor for many years, make sure you’re being a smart shopper by using doctors within your network to save money. Click here to find an in-network doctor or facility contracted with your administrator.

■■ Ask the cost of care. Let the office assistant know the purpose of your visit (preventive, sick, etc.) and ask the estimated cost. Then, you can decide how you’ll pay — use your HRA or HCFSA to reimburse any deductibles, co-insurance or co-pays or pay your doctor directly.

■■ Bring a list of all medications, allergies and other doctors you see. This is not the time to be bashful. The more your doctor knows about your current health regimen, the better he or she can get a grasp on your health needs. Include over-the-counter products (vitamins, herbal remedies, aspirin, etc.) so you can avoid interactions or side effects due to mixing medications.

■■ Bring your medical ID card. The doctor’s office will need your medical option information to get your cost for treatment put together. Having your medical ID card on hand proves that you’re covered and makes the office assistant’s job a little bit easier.


Did you know …

You can access your medical ID card right from your smartphone. All you have to do is download your administrator’s app:

■■ UnitedHealthcare■■ Aetna■■ BlueCross BlueShield


http://www.uhc.com/individuals_families/member_tools/health4me_mobile_application.htm

http://www.aetna.com/about-aetna-insurance/sas/mobile/index.html

http://www.bcbs.com/mobile/




7








Know what to ask your doctorDid you know that most doctor visits are only 18 minutes long? So, make the most of your time together by taking an active role in the conversation. After all, it really is all about you. (Source: Archives of Internal Medicine, 2008)

■■ Tell your doctor your medical history. Be honest with the doctor. If you have allergies or have experienced a reaction to a specific drug in the past, be sure your doctor is aware of it. If the doctor is your primary care physician (PCP), they may already have this information from prior visits. If not, consider selecting a trusted PCP so you’ll be treated by someone familiar with your medical history each time you go to the doctor.

■■ Make sure you understand the reason for any medical tests and treatment options that the doctor orders. Ask your doctor to review any medical terms you are unfamiliar with or test results. There’s no such thing as a dumb question when it comes to your health. Tip: Have tests performed in the doctor’s office or at an in-network lab/imaging center to receive 100% coverage.

■■ Ask your doctor about his or her experience, or about seeing another doctor for a second opinion. You are the customer, so there’s nothing wrong with making sure you are comfortable.

■■ Ask about any prescriptions being ordered. Find out if they’re necessary for your recovery or just nice to have. Ask if a generic drug or over-the-counter equivalent is available. They may work just as well and cost less. Finally, be sure to ask about dosage and any potential drug/food interactions.

Unsure what else to ask your doctor? Click here for a list of questions.





8✁








Questions to askYou may have specific questions for your doctor according to the reasons for your visit. But, here are some general questions to get you started.

1. What screening tests am I receiving at this visit? Is there anything I should be aware of with these tests?

2. Do I need any vaccinations or booster shots?

3. Am I at risk for any particular medical condition?

4. What should I do to prevent or monitor the risk?

5. What are my biometric measurements, like blood pressure, cholesterol and blood sugar levels?

6. Are there any other preventive exams I should look into?

7. What should I know about my medications?

8. What should I do if I have any questions or concerns after this appointment?

9. What are the most important things I need to remember when I leave the office today?

10. Is precertification or preauthorization required for any recommended procedures? Before you schedule a recommended procedure, check with your administrator for any precertification/preauthorization requirements.





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Know what to do after your visitYou have a Band-Aid on your arm and a prescription in hand. Now what? Knowing what to do next can save you time and money. Try these tips.

■■ Check out. Visiting your PCP? You’ll pay a $30 co-pay. Seeing a specialist? You’ll pay the network negotiated office visit rate until you meet your deductible. Your in-network provider will automatically file a claim for you. Click here to see how to use your HRA to pay.

■■ Get any prescriptions filled. Make sure that you use an in-network pharmacy or the Express Scripts/Medco by Mail mail order program to save you time and money. You pay only your co-insurance at the pharmacy. There are no claims to file as long as you use a network pharmacy or mail order.

■■ Follow your doctor’s treatment plan carefully. Over 40% of people do not stick to their treatment and end up getting sicker or being hospitalized — don’t let that happen to you.

■■ Call your doctor with questions. It’s your health. Give it the attention it deserves.

■■ Review your Explanation of Benefits (EOB) from your administrator. The EOB shows what American pays and what you owe the doctor. Check to ensure that all listed services were received and coded correctly. If not, contact your administrator.

Prepare for your doctor visit Remember: In-network preventive care is covered at 100%.

Important Contacts

BlueCross BlueShield phone: 1-877-235-9258 web: www.bcbstx.com

UnitedHealthcare phone: 1-800-955-8095 web: www.myuhc.com

Aetna phone: 1-800-572-2908 web: www.aetnanavigator.com

Express Scripts/Medco (Prescriptions) phone: 1-800-988-4125 web: www.express-scripts.com

MetLife (Dental) phone: 1-866-838-1072 web: MetLife (Jetnet required)

Spectera (Vision) phone: 1-800-217-0094 web: www.myspectera.com

http://www.bcbstx.com

http://www.myuhc.com

http://www.aetnanavigator.com

http://www.express-scripts.com

http://www.myspectera.com



http://www.jetnet.aa.com/



10








Be a smart health care shopper You shop smart to find the best deals in your everyday life; shouldn’t you do the same when it comes to health care? Here are a few money-saving tips to keep you and your wallet healthy:

■■ Know before you go with cost estimators. Don’t be surprised by the cost of your medical care. Cost estimators provide personalized cost estimates based on your location, your medical option and whether or not you’ve met your deductible. You can even compare nearby doctors, medical facilities and hospitals based on the price you will pay and quality of care.

Click below to log in and access your administrator’s tool: – UnitedHealthcare – Aetna – BlueCross BlueShield

■■ Stay in-network. You have the option of using in-network or out-of-network doctors and facilities each time you receive care. You’ll pay less when you visit doctors, medical facilities and hospitals who participate in the network. BlueCross BlueShield, UnitedHealthcare and Aetna have pre-negotiated rates with them.

■■ Urgencies may not be emergencies. Urgent care centers and walk-in clinics are a good alternative when you can’t see your regular doctor and want care right away. These centers offer lower-cost walk-in care than emergency rooms (ERs) and help you avoid long wait times in the ER. Find one on your administrator’s website. Remember — there is a $100 co-pay (plus deductible and co-insurance) for emergency room visits.

■■ Participate in Healthmatters. You and your covered spouse or domestic partner can earn up to $250 each in Healthmatters Rewards for completing healthy activities, such as the Health Assessment, a Quest Screening and health coaching. You’ll receive the money in your HRA and can use it to reimburse yourself for your medical deductible, and medical/prescription co-insurance and co-pays.


Don’t pay for diagnostic testing.

Eligible lab tests, X-rays, MRIs and CT scans are covered at 100% if performed at your network doctor’s office or non-hospital lab or imaging center.


http://www.aetna.com/docfind/custom/americanairlines/

http://www.bcbstx.com/americanairlines/




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Know where to get the right careHealthmatters Nurseline is available 24/7

Is it a cold, or flu? Rash, or chicken pox? Mild fever, or more serious? Don’t worry — you have access to quality and confidential medical advice anytime, anywhere. Licensed nurses are available 24/7/365 to answer any health question or issue, big or small.

Call 1-888-227-6598 to speak to a registered nurse who can give you advice and help you decide on the right place for care.

Did you know?

A study of claims data for treating 700 cases for ear infection, sore throat and urinary tract infections (UTI) showed that where you are treated affects how much you pay. According to the study, here’s the cost of care for each of these conditions at different locations:

Emergency Room Urgent Care Center Retail Clinic

$570 $156 $110


The Healthmatters Nurseline can help you navigate the health care system, including:■■ Finding a doctor or hospital■■ Understanding treatment options that you can discuss with your doctor

■■ Finding answers to medication questions

■■ Locating available resourcesWhenever you need care that is not for an emergency — like an ear infection, back pain or a sprained ankle — you will save time and money by going to your doctor or an urgent care center.

Do you have 4 hours to wait in the ER?

According to the Press Ganey’s Pulse Report 2010, the average length of stay in a U.S. emergency room is 4 hours, 7 minutes.

Visit with primary care physician

Urgent care center

Free-standing MRI center

Saves you money

Visit with specialist (for non-specialist care)

Emergency room

MRI in a hospital

Usually costs more

Remember — you save the most when you use in-network providers.



12

How You Pay for Care





Use your HRA




Meet your deductibleYour deductible applies to care other than PCP visits, preventive care, prescriptions and some in-network lab/imaging charges. So, if you go to a specialist for a sore throat before you meet the deductible, you pay the full cost of the office visit.

In-network deductible

Individual $750

Family $2,250

How you and American pay for in-network care

Not every covered family member has to meet this amount. Once a family member meets his or her $750 individual deductible, that family member will begin paying co-insurance. When three covered people have met the deductible, the entire covered family begins paying co-insurance.

For example: You have family coverage, including you, your spouse and your three children.

You would begin paying co-insurance after you meet your $750 deductible. Your spouse and one other covered child would continue paying the full cost of care until they each meet their $750 deductible. Once all three of you have met the $750 individual deductible, the other two covered children would also begin paying co-insurance because the family deductible is now met.

You Pay

100%up to Deductible

You Pay

20% Co-

insurance

You Meet the

DeductibleThen ...

American Pays

80%

American Pays

100%

Preventive Care

American Pays

100%

Care for Treatment of an Illness or Injury

You Meet the

Out-of-Pocket

MaximumThen ...

Remember …

You’ll pay a $30 PCP co-pay and $100 ER co-pay for each visit. Co-pays do not count toward your deductible.




How You Pay for Care(continued)

13




Use your HRA





Know when your deductible appliesThe deductible is the amount you pay for medical services before American Airlines will begin to share the cost of care. Use this chart as a guide to understand when your deductible applies.

Service Type Deductible Applies Deductible Does Not Apply

Preventive care (In-network only) ü Covered at 100%

PCP visit for illness or injury ü$30 co-pay does not count toward deductible

Prescriptions üLab charges for test associated with in-network visit

üCovered 100% if part of office visit or at an

independent facility

Outpatient surgery in hospital or surgi-center üEmergency room visits ü

$100 co-pay does not apply toward deductible

Inpatient hospital stays ü




14




Use your HRA





Pay for prescription drugsYou’ve visited your doctor — and a medication has been prescribed for you. You have two options for filling that prescription:

Retail: When you need it right away

Get your prescription filled at one of thousands of Express Scripts/Medco in-network pharmacies.

Mail Order: For prescriptions you take regularly (maintenance medications)

You can conveniently manage your prescriptions online while saving time and money when you sign up for mail order prescriptions with Express Scripts/Medco by Mail. Call Express Scripts/Medco at 1-800-988-4125 or go online to www.express-scripts.com to get started.

Save money on prescriptions

■■ Use the mail order pharmacy. Receive up to a 90-day supply of long-term medication (such as cholesterol-lowering drugs) and enjoy the convenience of having your prescription delivered to you. After your initial purchase plus two refills at a retail pharmacy, you will pay 50% of the drug cost for long-term (maintenance) medications if you don’t move your prescription to mail order.

■■ Save big with StayWell Rx. You’ll pay less for 90-day supplies of eligible diabetes and high blood pressure medications — free if generic, $15 if brand name. Call 1-888-227-6598 to enroll before you order your medication.

■■ Go generic. Generic drugs are three times less expensive than brand-name drugs, and work just as well. Remember, if you select a brand drug when a generic is available, you pay the generic co-insurance plus the cost difference between generic and brand prices. Visit Express Scripts/Medco to see what you could be saving.

■■ Use preferred brands when you need a brand-name drug. Your cost for preferred brand drugs is lower than for non-preferred drugs. You can ask your doctor to prescribe a preferred brand drug. Visit Express Scripts/Medco to find a preferred brand alternative.

■■ Speak up. Ask your doctor if he or she has any free samples of the medication being prescribed.

■■ Get smart. Use your smartphone or tablet to check a prescription cost at www.express-scripts.com. Ask your doctor for a lower-cost alternative if the cost is high.








15




Use your HRA





Filling your prescription at a retail pharmacy

1 Present your Express Scripts/Medco prescription card when dropping off your prescription. Remember, your prescription card is separate from your medical card.

2 You will pay co-insurance (a percentage of the drug cost) for your prescriptions right at the pharmacy. The co-insurance rate for prescriptions is available to you immediately — you do not have to meet your deductible and there are no claims to file.

3 Remember, you can use your HRA or HCFSA to reimburse yourself later.

Did you know …

With the Worry Free Fill Program, your prescriptions will automatically ship to you before you run out. Call Express Scripts/Medco at 1-800-988-4125 to find out more.




16



Use your HRA






Get 100%-paid preventive careIt’s easy to put off getting an annual check up. But when it’s covered at 100%, why wait?

Your medical option covers in-network preventive care and screenings at 100%, so take advantage of the benefit and get your preventive care — for you and your covered family members — without sacrificing your wallet.

What is preventive care?

Preventive care helps identify potential health problems early when they may be easier and less costly to treat. Guidelines are based on your age and gender. The table below lists common preventive services. For a complete list, visit your administrator’s website.

Children Female Male

■■ Well-baby care■■ Annual physicals■■ Immunizations■■ Medical/family history■■ Blood pressure checks■■ Cholesterol checks

■■ Pap tests■■ Mammograms■■ Osteoporosis test■■ Annual physicals■■ Immunizations■■ Medical/family history■■ Blood pressure checks■■ Cholesterol checks■■ Diabetes mellitus: baseline for high-risk individuals

■■ Colonoscopy

■■ Colonoscopy■■ Prostate cancer screening■■ Annual physicals■■ Immunizations■■ Medical/family history■■ Blood pressure checks■■ Cholesterol checks■■ Diabetes mellitus: baseline for high-risk individuals

■■ Osteoporosis test

Did you know …

As many as 30,000 lives could be saved EACH YEAR with preventive screenings.

Source: www.cdc.gov





17




Use your HRA





Did you know …

Oral health is a key indicator of overall health. Research has shown that there is a connection between periodontal diseases and other chronic inflammatory conditions, such as diabetes, cardiovascular disease and Alzheimer’s disease. But just like with other diseases, many oral diseases are treatable if caught in the early stages — making routine dental checkups much more important.

American Airlines offers the coverage you need to keep your pearly whites healthy. Visit the MetLife website or call 1-800-638-6420 to learn more about your dental benefits.

If you enroll in the Spectera vision plan, you can get an annual vision exam for a set copay of $10, when you visit an in-network provider. Log on to www.myspectera.com or call Spectera at 1-800-217-0094 for details.

Don’t forget about preventive dental

See clearly with Spectera






18

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Use your HRA




Your healthy checklist

Don’t just think about your health when you’re sick. Just print this page and use it to keep track of your health status all year long.

Healthy Quick Tips

Drink fresh water and as much water as you can. Water flushes unwanted toxins from your body and keeps your brain sharp.

The best way to stay healthy is through prevention. Our medical plans cover in-network preventive care services at 100% with no deductible.

Like nutrition and diet, sleep plays an important role in well-being. Ideal adult snooze time = 7 – 9 hours/night.

Keep moving to keep a strong healthy body and weight. Thirty minutes a day, four to five times a week of exercise does a body good.

What you eat affects both your physical and mental health. So, skip the fast food and fill up on fresh fruit, vegetables, grains, fish and lean proteins.

’s Healthy Checklist(Write Your Name)

•■ Schedule yourself and your enrolled family members for annual exams and preventive screenings

•■ Get your flu shot Date:

•■ Get your annual eye exam Date:

•■ Visit your dentist Date: (2 cleanings per year)

•■ Know your numbers (get a Quest Screening)

Blood Pressure:

A1C:

LDL Cholesterol:

HDL Cholesterol:

Triglycerides:

Height:

Weight:

•■ Know your blood type:

•■ List your current medications (name and dosage):




19

continued







Use your HRA

Use your HRAWondering how to use your HRA to pay for that doctor visit or trip to the pharmacy? Here’s how it works.

First, your HRA is funded

Money goes into your HRA two ways. Funds must be in the account before you can use them.

*Available to employees who enrolled in the 2013 Standard Option before the end of 2012.

Then, you can use it to pay for care

You can use your HRA to pay for eligible medical and prescription out-of-pocket expenses for you and covered family members. Click here to review a detailed list.

Your doctor will automatically file any in-network claims for you. If you go out-of-network, you’ll need to file a claim with your administrator and then send the bill and EOB to PayFlex to get reimbursed. The way your claim gets reimbursed depends on if you selected auto- or manual reimbursement and whether or not you have a Health Care Flexible Spending Account (HCFSA). You can change your reimbursement method at any time.

Remember, it’s your choice how and when you use your funds. Any unused HRA funds roll over from year to year as long as you stay in the Standard Option.

See the next page for details.


Available in January 2013: One-time introductory contribution from American*

$375 (Employee Only or + Children) or$750 (Employee + Spouse/Domestic

Partner or + Family)

Available as they’re earned: 2013 Healthmatters Rewards

Up to $250 for you andUp to $250 for your covered spouse/

domestic partner

+ = Maximum available funds up to

$625 (Employee Only or + Children) or$1,250 (Employee + Spouse/

Domestic Partner or + Family)

PayFlex is your account administrator. Go online to check your account balance and view expenses. There are also user-friendly tools like a Savings Calculator to determine your medical expenses for the year.

You can also download the PayFlex mobile app to your smartphone so you can check your account balances and submit expenses on the go.

https://www.healthhub.com/ConsumerCenter/PlanningTools/EligibleExpenseItems.aspx

https://myflex.healthhub.com/DocumentViewer.ashx?rsa=d%2bGwilH1MCw%3d&d=rrP8SYiOVUrXPLIQ2Dx7MPqXHIPVmUm4q2BqqdrwZd0mRkZGUQM5JQ%3d%3d

https://myflex.healthhub.com/DocumentViewer.ashx?rsa=d%2bGwilH1MCw%3d&d=rrP8SYiOVUrXPLIQ2Dx7MPqXHIPVmUm4q2BqqdrwZd0mRkZGUQM5JQ%3d%3d

https://myflex.healthhub.com




20

continued







Use your HRA


If you have an HRA and an HCFSA

■■ Health care claims are paid from the HCFSA first, since it has a “use it or lose it” rule.

■■ When your HCFSA funds run out, your medical and prescription drug expenses are paid from your HRA.

Remember: You can’t pay dental and vision expenses with your HRA. To use your HCFSA for dental and vision expenses, you may consider manual reimbursement, as explained below. This lets you save your HCFSA funds for dental and vision costs, before paying medical and prescription expenses.

How do I access my money to pay for eligible medical and prescription out-of-pocket expenses?

There are two ways to get reimbursed for your eligible in-network medical expenses with the money in your HRA. You get to choose either the auto-reimbursement or the manual method:

■■ Auto-reimbursement — Your administrator will send your in-network claim directly to PayFlex who will pay the claim automatically with money from your HRA or HCFSA. Remember, your claims will be paid first from your HCFSA if you have one with available funds.

■■ Manual reimbursement — You will receive an email or text alert (your choice) from Payflex advising you have a claim awaiting payment. Access your account and choose when to pay your claim.

Learn More

■■ Change your reimbursement method■■ Manage your account preferences■■ Out-of-network claims






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Want to change your reimbursement method?

1. Go to the PayFlex website.

2. Click on “Financial Center” at the top of the page.

3. Once you’re on the Financial Center page, select “Health Plan Activity” from the drop down menu.

4. Click on “Health Plan Activity Options” from the menu on the left.

5. Select “Yes” for the expense/s (Medical, Dental, Prescription, Vision) under each account that you would like to have automatically reimbursed or “No” for those you would like to manually reimburse.

6. Click “Save” when you have completed selecting your reimbursement methods.Use your HRA

Manage your account preferences

Go to PayFlex and click on the Settings tab. From there you can:

■■ Manage your notification settings – Auto- or manual reimbursement

■■ Manage your claim reimbursement preference

– Direct deposit or check

Processing your out-of-network claim

Keep your receipt after you pay for treatment and send it to your administrator. Once you receive your EOB, you can go to PayFlex and upload an electronic copy of your EOB. You will be given additional instructions — follow them to complete your manual reimbursement.






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Use your HRA

Your HRA in Action: How the HRA and HCFSA Work Together

The Details

Coverage: Employee Only

Spending accounts: HRA and HCFSA

Contributions: Company HRA contribution: $375 Healthmatters Rewards earned: $100

Total HRA $475

Your HCFSA annual contribution: $250

Reimbursement option: Auto-reimbursement, email alerts

The scenario The math

Let’s say you visit a specialist due to back pain. While you are at the doctor’s office, you pay $175. This amount will be paid back to you from your HCFSA.

■■ Your claim goes to your PayFlex account and the amount is deducted from your HCFSA.■■ You will receive $175 by check or direct deposit into your bank account.■■ After the payment, you have $75 left in the HCFSA.

Then, you have a follow-up visit with the specialist next month. At the doctor’s office, you pay $100.

■■ Your claim goes to your PayFlex account and $75 is deducted from your HCFSA.■■ The remaining $25 is deducted from your HRA.■■ You will receive $100 by check or direct deposit into your bank account.■■ After the payment, your HCFSA balance is $0 and your HRA balance is $450.

HCFSA beginning balance $250

HRA beginning balance $475

1st doctor visitHCFSA – $175HCFSA balance $75

2nd doctor visitHCFSA – $75HRA – $25HCFSA balance $0HRA balance $450




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Use your HRA

Your HRA in Action: How it Works

The Details

Coverage: Employee Only

Spending account: HRA

Contributions: Company HRA contribution: $375 Healthmatters Rewards earned: $100

Total HRA $475

Reimbursement option: Auto-reimbursement

}

The scenario The math

Let’s say you visit a specialist. While you are at the doctor’s office, you pay $200 for the medical services you received. This amount will be paid back to you from your HRA.

■■ Your claim goes to your PayFlex account and the amount is deducted from your HRA.■■ You will receive $200 by check or direct deposit into your bank account.■■ After the claim, you have $275 left in the HRA.

You pick up some prescriptions the doctor prescribed. While you are at the pharmacy you pay $150.

■■ Your claim goes to your PayFlex account and the amount is deducted from your HRA.■■ You will receive $150 by check or direct deposit into your bank account.■■ After the claim, you have $125 left in the HRA.

Then, you have a follow-up visit with the specialist. At the doctor’s office you pay $150. ■■ Your claim goes to your PayFlex account and the amount is deducted from your HRA.■■ You will receive $125 by check or direct deposit into your bank account.■■ The remaining $25 will not be reimbursed.■■ Your HRA balance is $0.

HRA beginning balance $475

1st doctor visitHRA – $200HRA balance $275

PrescriptionsHRA – $150HRA balance $125

2nd doctor visitHRA – $125Out-of-pocket cost – $25HRA balance $0

Learn more


http://my.aa.com/en/medical-standard#howHRAworks



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Understand your out-of-pocket maximumYour out-of-pocket maximum is the most you pay in co-insurance each year for certain medical and Rx services. Remember, you must meet your deductible for certain medical expenses before your co-insurance applies. Also, co-pays do not count toward your out-of-pocket maximum or deductible. Once you meet it, American pays 100% for covered services for the rest of the year (except for certain prescription expenses). In-network and out-of-network maximums must be met separately.

Use your HRA

Learn more

Click here for an example of how your out-of-pocket maximum works.

Remember…

Once you have met the out-of-pocket maximum, you’ll continue to pay:

■■ Co-pays

■■ The cost difference between brand and generic drugs if you purchase a brand-name drug when a generic equivalent is available

■■ 50% of the cost of long-term medications if you don’t use mail order after your third fill


http://my.aa.com/en/eileen-asks-deductible-oop


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Living Well







Get a health coach

Get support from HealthmattersHealthmatters, American’s award-winning wellness program, can help you get active, eat healthier and live well all year long. Here’s a look at some of the resources, programs and support available to you and your family. Call Healthmatters at 1-888-227-6598 to find out more.

Active Lifestyle CoachCoaching is available whenever you need extra support to achieve your health goals — online or by phone.

Online programs are available to help you lose weight, quit smoking, reduce stress, lower your blood pressure, or manage diabetes.

Coaches are also available by phone to give you personal encouragement when you need it the most.

Active Lifestyle Coach

MaternityMattersYou’ll have a personal nurse to work with you throughout your pregnancy and provide support after your baby is born. Call Healthmatters to enroll.

Enhanced Case ManagementSerious or complex medical conditions need special attention. Enhanced Case Management helps you navigate through health care services, including doctor’s visits, treatment programs and hospital admissions. Work with your personal nurse to help you understand your condition and your care options.

Informed Care ManagementWork one-on-one with a personal nurse. Get help with serious chronic illnesses, such as heart disease, cancer, asthma, or pulmonary disease from a personal registered nurse. Call Healthmatters to get started. You may also receive a call or letter from ActiveHealth inviting you to participate in the program.

StayWell RxSave money on diabetes and high blood pressure medications. Enroll in the StayWell Rx program and get a 90-day supply of eligible generic medications at no cost to you and brand-name medications for $15.

Three easy steps to start saving:

1. Call Healthmatters to confirm that your medication is eligible and enroll in the StayWell Rx program.2. Chat with your Health Advocate Team member and learn about ways to keep your condition under control.3. Fill your eligible high blood pressure or diabetes prescription medications through Express Scripts/Medco by Mail.

To keep saving — chat with your Health Advocate Team member every 90 days to keep your discount.

Enhanced Case Management

Informed Care ManagementMaternityMatters

StayWell Rx



Living Well(continued)

26

Get a health coach







Earn up to $250 in Healthmatters RewardsBetter health is its own reward. But at American, you can earn real dollars in your HRA.

You and your covered spouse or domestic partner can each earn up to $250 — that’s up to $500 — for completing these goals between January 1, 2013 and October 31, 2013. The sooner you complete the goals, the quicker the money will be in your HRA. Here’s how to get started.

Goal Actions

First …

Health Assessment $100

Complete your Health Assessment and review with a Health Advocate to earn any 2013 Healthmatters Rewards.

You must complete this goal to receive any Healthmatters Rewards.

Then …

Quest Screening $75 or $150

■■ Complete a Quest Screening — Earn $75■■ Meet at least 4 of the 5 results — Earn $75

Get Coaching $75

■■ Complete one of the following other activities: – Online health coaching or

– Two calls with a nurse or health coach


http://www.myactivehealth.com/healthmatters


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Learn More


Use helpful tools

Find out more



Make benefits changesLife events

Annual Benefits Enrollment is the time to enroll in or change your benefits elections for the upcoming year; however, you can make certain changes if you experience a life event during the year:

■■ Birth or adoption of child

■■ Change in day care provider

■■ Common law marriage

■■ Declare a domestic partner

■■ Divorce

■■ Domestic partner relationship ends

■■ Eligible for a state premium assistance program

■■ Going on leave of absence

■■ Legal guardianship of special dependent

■■ Legal separation

■■ Loss of Medicaid or CHIP coverage

■■ Loss of dependent eligibility

■■ Marriage

■■ Return to work

■■ Spouse/Domestic Partner change of job or benefit status

Your change in coverage must be consistent with your life event change and must be made within 60 days of the life event. Go to the Benefits page of Jetnet to process a life event change.




Learn More(continued)

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Use helpful tools

Find out more




Understand key termsCo-insuranceThe percentage you and American Airlines each pay for most covered services and supplies.

Co-payThe flat dollar amount you pay when you receive certain covered services or supplies. You pay co-pays even after you meet your deductible or have reached the out-of-pocket maximum.

DeductibleAmount you pay out of your pocket for covered medical expenses during the plan year before you and American share the costs. In-network and out-of-network deductibles must be met separately.

In-networkRefers to doctors or health care facilities that are part of your administrator’s network and charge pre-negotiated rates for care. Your deductible, co-insurance and out-of-pocket maximums are lower for in-network care compared to out-of-network care. Visit www.My.AA.com to search your area for an in-network doctor or health care facility.

Generic drugA prescription drug with the same active ingredient(s) that is just as safe and effective as its brand-name counterpart, but costs less.

Primary care physician (PCP)An internist, general practitioner, family practitioner, pediatrician or gynecologist who helps coordinate all of your medical care.

Preferred brand-name drugsBrand-name drugs that generally save you money over non-preferred brand-name drugs because you pay less of the cost. Visit the Express Scripts/Medco preferred drug list.

Non-preferred brand-name drugsIf you are taking a prescription drug that is non-preferred, you may wish to ask your doctor about an alternative that is on the preferred list. Typically, a drug is considered non-preferred when it has a generic equivalent or less expensive, equally effective brand-name drug alternative.

Out-of-pocket maximumThe most you pay in a plan year in medical and Rx co-insurance. Once you meet it, American pays 100% for covered services for the rest of the year (except certain prescription expenses). In-network and out-of-network maximums must be met separately.

Out-of-networkRefers to doctors or health care facilities that are not part of your administrator’s network. Your deductible, co-insurance and out-of-pocket maximums are higher for out-of-network care compared to in-network care.

Preventive careRoutine physical exams and health screenings (like routine blood tests, immunizations, Pap smears, prostate screenings and other age-appropriate health screenings), as defined by Health Care Reform, that are usually performed by your in-network PCP. Services coded by your doctor as preventive care are generally covered at 100% in-network. If the same tests are done to diagnose an illness or treat a known condition, they are not considered preventive care and your PCP co-pay or deductible and co-insurance apply.

http://www.My.AA.com


http://hrweb.mit.edu/system/files/all/benefits/publications/health_prescription_dlist.pdf



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Find out more



Use helpful tools

Use helpful toolsAetna’s, BlueCross BlueShield’s and UHC’s websites let you …

■■ Search for doctors by location or specialty and compare quality first, then cost

■■ Locate health care facilities such as hospitals, urgent care facilities, labs/imaging centers, etc.

■■ Get real-time cost estimates

■■ Keep your medical history at your fingertips

■■ Check the status of your deductible

■■ Print ID cards

■■ Review your Explanation of Benefits (EOB)

Before you make an appointment for care, log into www.bcbstx.com, www.myuhc.com or www.aetnanavigator.com to use the tools to help make cost-saving decisions.

PayFlex — Your Health Spending Account Assistant

Visit PayFlex to:■■ Manage your accounts■■ View your expenses■■ Keep track of your claims and account activity — including checking your account balance

■■ Use the Savings Calculator tool

Your Healthmatters Headquarters

Visit MyActiveHealth to:■■ Track your Healthmatters Rewards■■ Learn about health conditions, symptoms and treatment options

■■ Watch educational videos







PrintSearch


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Home Previous



Use helpful tools


Find out moreAdministrator Phone Number Website

Medical Benefit Options

UnitedHealthcare 1-800-955-8095 www.myuhc.comProvider directory:americanairlines.welcometouhc.com/home

Aetna 1-800-572-2908 www.aetnanavigator.comProvider directory:www.aetna.com/docfind/custom/americanairlines

BlueCross BlueShield 1-877-235-9258 www.bcbstx.comProvider directory:www.bcbstx.com/americanairlines

Prescription Drug Benefit

Express Scripts/Medco 1-800-988-4125 www.express-scripts.com

Dental Benefit

MetLife 1-866-838-1072 MetLife (Jetnet required)

Vision Benefit

Spectera 1-800-217-0094 www.myspectera.com

Healthmatters

ActiveHealth Management 1-888-227-6598 www.myactivehealth.com/healthmatters

Find out more

Get all the details

Click here to review a Summary of Benefit Coverage or here for a full Employee Benefits Guide.This guide provides an overview of your benefit

options. The complete provisions of the plans are set forth in the plan documents, available for review on eHR Center or HR Services. If the information in this guide is inconsistent with the plan documents, the plan documents will govern. This guide is not intended as a contract of employment or a guarantee of current or future employment. The plan sponsor(s) reserve the right to amend or terminate each plan at any time.










http://www.bcbstx.com/americanairlines



http://www.aacareers.com/ebg/sbc/

http://www.aacareers.com/ebg

everyday guide to using your medical benefits

Documents